Bank Comparison
First National Bank in New Bremen vs ST. Henry Bank, the
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 12
winning metrics across 20 comparable rows
Capital adequacy
| Metric | First National Bank in New Bremen | ST. Henry Bank, the |
|---|---|---|
| CET1 Ratio | 30.46% | — |
| Tier 1 Capital Ratio | 30.46% | — |
| Total Capital Ratio | 31.72% | — |
| Tier 1 Leverage Ratio | 10.81% | 12.96% |
| Equity / Assets | 10.13% | 10.87% |
Profitability
| Metric | First National Bank in New Bremen | ST. Henry Bank, the |
|---|---|---|
| Return on Assets (ROA) | 1.33% | 2.77% |
| Return on Equity (ROE) | 13.30% | 27.00% |
| Net Interest Margin (NIM) | 2.62% | 3.89% |
| Yield on Earning Assets | 4.33% | 4.95% |
| Cost of Funds | 1.86% | 1.12% |
Asset quality
| Metric | First National Bank in New Bremen | ST. Henry Bank, the |
|---|---|---|
| Texas Ratio | 0.52% | 0.82% |
| Non-Performing Loan Ratio | 0.17% | 0.17% |
| Non-Performing Asset Ratio | 0.06% | 0.09% |
| Net Charge-Off Ratio | 0.01% | 0.00% |
| ACL / Loans | 1.88% | 1.25% |
Balance sheet
| Metric | First National Bank in New Bremen | ST. Henry Bank, the |
|---|---|---|
| Total Assets | $457,215K | $447,852K |
| Total Deposits | $409,538K | $394,721K |
| Total Loans | $152,188K | $250,449K |
| Total Equity | $46,318K | $48,693K |
| Net Income (quarter) | $1,525K | $3,288K |
Liquidity & funding
| Metric | First National Bank in New Bremen | ST. Henry Bank, the |
|---|---|---|
| Loan-to-Deposit Ratio | 37.16% | 63.45% |
| Core Deposit Ratio | 92.12% | 92.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | First National Bank in New Bremen | ST. Henry Bank, the |
|---|---|---|
| Headquarters City | NEW BREMEN | SAINT HENRY |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 14294 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 6 | 3 |
| Employees (FTE) | 34 | 27 |
| Established | Jan. 1, 1934, midnight | Jan. 5, 1905, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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